0% APR

0% APR Available for 12 months*

Buy Your Musical Instrument Today
and Pay Over Time

Affordable Monthly Plans

Pay for your order over up to 36 months at competitive interest rates, or up to 12 months at as low as 0% APR.*

No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

Quick and Easy Application

Get a decision in seconds with no obligation to buy. Clear, transparent terms. Competitive Rates. No prepayment penalties.

Quick & Simple

Checking your rate is easy. You only need to provide a few pieces of information, and you will get a decision in seconds.

Get your rate

How It Works

Step 1

Shop Online

Add items to your cart. Choose Bread Pay™ and get a real-time decision without it affecting your credit score.

Step 2

Select Your Plan

If eligible, Checkout with Installments

Step 3

Complete Your Purchase

Get your items now and pay over time in monthly installments.

Clear, transparent terms. Competitive Rates.
No prepayment penalties.

We provide easy and affordable financing, powered by Bread Pay™, so you can pay for your purchase over time.

Have Questions?

Visit the Bread Pay help center. 

*Minimum purchase of $50.00 is required. Availability of terms may vary based on purchase price, product, and state of residence. Down payment may be required. Subject to approval of credit application. Rates range from 0% to 34.99% APR, resulting in, for example 36 monthly payments of $38.19 at 21.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.